Not to mention the opposite: get rude enough with a panhandler and you might turn a non-event into a shooting.

In my book, there's no issue here.

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If something like that happened to your daughter, how would you teach her to react?

My daughter is in her early thirties, and I taught her how to react many, many years ago. I taught her to be kind, to be polite, to give money if she felt like it and that there was almost never anything there to fear.